Visa U.S.A. Interchange Reimbursement Fees

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1 Visa U.S.A. Interchange Reimbursement Fees The following tables set forth the interchange reimbursement fees applied on Visa financial transactions completed within the 50 United States and the District of Columbia. Visa uses interchange reimbursement fees as transfer fees between financial institutions to balance and grow the payment system for the benefit of all participants. Merchants do not pay interchange reimbursement fees; merchants pay "merchant discount" to their financial institution. This is an important distinction, because merchants buy a variety of processing services from financial institutions; all these services may be included in their merchant discount rate, which is typically a percentage rate per transaction.

2 Visa U.S.A. Consumer Debit CPS/Supermarket Debit Performance Threshold I CPS/Supermarket Debit Performance Threshold II CPS/Supermarket Debit Performance Threshold III CPS/Supermarket Debit All Other Visa Check Card 0.62% + $ % + $ % + $ % + $0.15 Check Card II Supermarket $0.25 CPS/Retail Debit Performance Threshold I 0.62% + $0.13 CPS/Retail Debit Performance Threshold II 0.81% + $0.13 CPS/Retail Debit Performance Threshold III 0.92% + $0.15 CPS/Retail Debit All Other 1.03% + $0.15 CPS/Automated Fuel Dispenser, Debit 0.70% + $0.17 CPS/Service Station, Debit 0.70% + $0.17 CPS/Small Ticket, Debit 1.55% + $0.04 CPS/Retail 2, Debit 0.80% + $0.25 Utility Program $0.75 CPS/Retail Key Entry, Debit 1.60% + $0.15 CPS/Card Not Present, Debit 1.60% + $0.15 CPS/e-Commerce Basic, Debit 1.60% + $0.15 CPS/e-Commerce Preferred Retail, Debit 1.55% + $0.15 CPS/e-Commerce Preferred Hotel and Car Rental, Debit 1.36% + $0.15 CPS/e-Commerce Preferred Passenger Transport, Debit 1.60% + $0.15 CPS/Hotel and Car Rental Card Present, Debit 1.36% + $0.15 CPS/Hotel and Car Rental Card Not Present, Debit 1.36% + $0.15 CPS/Passenger Transport, Debit 1.60% + $0.15 CPS/Restaurant, Debit 1.19% + $0.10 CPS/Account Funding, Debit 1.75% + $0.20 Check Card II 0.55% + $0.10 Electronic Interchange Reimbursement Fee, Debit 1.75% + $0.20 Standard Interchange Reimbursement Fee, Debit 1.90% + $0.25

Card 0.62% + $0.13 0.81% + $0.13 0.92% + $0.15 1.03% + $0.15 Check Card II Supermarket $0.25 CPS/Retail Debit Performance Threshold I 0.62% + $0.13 CPS/Retail Debit Performance Threshold II 0.

3 Visa U.S.A. Consumer Credit Visa Signature Traditional Rewards All Other Products CPS/Supermarket Credit Performance Threshold I 1.15% + $0.05 CPS/Supermarket Credit Performance Threshold II 1.20% + $0.05 CPS/Supermarket Credit Performance Threshold III CPS/Supermarket Credit All Other 1.22% + $0.05 CPS/Retail Credit Performance Threshold I 1.43% + $0.10 CPS/Retail Credit Performance Threshold II 1.47% + $0.10 CPS/Retail Credit Performance Threshold III 1.51% + $ % + $0.05 CPS/Retail All Other 1.54% + $0.10 CPS/Automated Fuel Dispenser 1.50% + $0.05 CPS/Service Station CPS/Small Ticket 1.65% + $0.04 CPS/Retail % + $0.05 Utility Program $ % + $0.10 CPS/Retail Key Entry 1.85% + $0.10 CPS/Card Not Present CPS/Rewards % + $ % + $0.10 CPS/e-Commerce Basic CPS/e-Commerce Preferred Retail 1.80% + $ % + $0.10 CPS/e-Commerce Preferred Hotel and Car Rental 1.58% + $0.10 CPS/e-Commerce Preferred Passenger Transport 1.75% + $0.10 CPS/Hotel and Car Rental Card Present EIRF CPS/Rewards % + $0.10 CPS/Hotel and Car Rental Card Not Present 2.30% + $ % + $ % + $0.10 CPS/Passenger Transport 1.75% + $0.10 CPS/Restaurant 1.54% + $0.10 CPS/Account Funding 2.14% + $0.10 Electronic Interchange Reimbursement Fee (EIRF) 2.30% + $0.10 Standard Interchange Reimbursement Fee 2.70% + $0.10

10 CPS/Retail Credit Performance Threshold II 1.47% + $0.10 CPS/Retail Credit Performance Threshold III 1.51% + $0.10 1.24% + $0.05 CPS/Retail All Other 1.54% + $0.10 CPS/Automated Fuel Dispenser 1.

4 Visa U.S.A. Commercial Commercial Products Commercial Level III 1.70% + $0.10 Commercial Level II Corporate / T&E Cards 1.90% + $0.10 Commercial Level II Business Cards 2.00% + $0.10 Commercial Level II Purchasing Cards 2.00% + $0.10 Commercial Electronic Interchange Reimbursement Fee 2.20% + $0.10 Commercial Standard Interchange Reimbursement Fee 2.70% + $0.10 GSA Large Ticket 0.95% + $35.00 (1.35% minimum) Visa Purchasing Large Ticket 0.95% + $35.00

10 Commercial Level II Purchasing Cards 2.00% + $0.10 Commercial Electronic Interchange Reimbursement Fee 2.

5 Visa U.S.A. Other Transactions Credit Voucher Transactions Passenger Transport Service Category, All Card Types 2.06% Non-Passenger Transport Consumer Visa Credit Card 1.73% Non-Passenger Transport Consumer Visa Debit Card 1.31% Non-Passenger Transport Commercial Visa Product 2.24% Mail/Phone Order and Electronic Commerce Merchants Consumer Credit Mail/Phone Order and Electronic Commerce Merchants Consumer Debit 2.04% 1.87% Visa Prepaid Load Service Network Visa Prepaid Load Network Interchange Reimbursement Fee $0.75 Manual and Emergency Cash Disbursements Cash Disbursement Reimbursement Fee $ % ATM Cash Disbursements ATM Cash Disbursement Reimbursement Fee Tier 1 $0.50 ATM Cash Disbursement Reimbursement Fee Tier 2 $0.40 * Fees paid to merchant financial institution.

24% Mail/Phone Order and Electronic Commerce Merchants Consumer Credit Mail/Phone Order and Electronic Commerce Merchants Consumer Debit 2.04% 1.

Visa U.S.A. Interchange Reimbursement Fees

Visa U.S.A. Interchange Reimbursement Fees Visa U.S.A. The following tables set forth the interchange reimbursement fees applied on Visa financial transactions completed within the 50 United States and the District of Columbia. Visa uses interchange